188 Shore Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 188 Shore Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,864 sqft · built 1992
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on File
Last Sale	$825,000 (Jul 2019)
Tax Bill	$12,633 (2024)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Jul 2019 Sale
Flood Zone	Zone X (moderate risk)
APN	`29-2S-21-42130-00A-0050`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42130-00A-0050`
Alternative APN	`1063127`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,864 sqft Living Area
Gross Area	3,900 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	28,314 sqft (0.65 acres)
Lot Dimensions	24.5 ft deep x 11.6 ft wide
Garage Type	Finished
Garage Area	682 sqft
Porch	Porch
Porch Area	354 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1063127
Street Address	188 SHORE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-8254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BAYS
Legal Description	LOT 5 BLK A HOLIDAY SHORES ESTATES S/D PB 3-85 OR 1782-349 OR 2662-801 OR 3110-2545 &-2551
Legal Range	21W
Legal Township	02S
Legal Section	29
Legal Subdivision	HOLIDAY SHORES EST
Legal Block	A
Legal Lot Number	5
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1001
Census Tract	950608

Owner

188 Shore Dr is owned and occupied by an individual who bought it in July 2019.

Source: Walton County records, as of December 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	188 SHORE DR, MIRAMAR BEACH, FL 32550-8254
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2019	Warranty Deed, Transfer · ARM TRUSTMARK NATIONAL BANK
Jul 2, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2019 · Amount on File
Deed Sale	Jul 2, 2019 · Amount on File
Prior Sale	Jul 2, 2019
Deed Document Number	20190022119
Deed Book / Page	3110 / 2551
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 2, 2019
Property Address	188 SHORE DR, MIRAMAR BEACH, FL 32550-8254
Document Number	0031102551
Book / Page	3110 / 2551
Map Reference	MB 3 PG 85
Instrument Date	Jul 1, 2019
Instrument	20190022119
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,775.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6708 TAYLOR CIR, 6708, MONTGOMERY, AL 36117-3411

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 SHORE DR, MIRAMAR BEACH, FL 32550-8254

Mortgage

Document Number	0031102556
Date	Jul 2, 2019
Instrument	3110/2556

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 2, 2019
Property Address	188 SHORE DR, MIRAMAR BEACH, FL 32550-8254
Document Number	0031102545
Book / Page	003110 / 002545
Instrument Date	Feb 11, 2019
Instrument	22114
Transaction Type	Transfer
Record Updated	Jul 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 N EASTERN BLVD MONTGOMERY AL 361172214, MONTGOMERY, AL 36117-2214

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,498,436 Land $1,019,640 Building $478,796	$1,498,436 Land $1,019,640 Building $478,796
2024	$12,633.00 (+4.45%)
2023	$12,095.00 (+23.91%)	$1,668,989 (+41.49%) Land $1,019,640 Building $649,349	$1,668,989 (+41.49%) Land $1,019,640 Building $649,349
2022	$9,761.00	$1,179,607 Land $527,145 Building $652,462	$1,179,607 Land $527,145 Building $652,462

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 188 Shore Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 148 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	12 (2004–2024)
Claims Outside the SFHA	5 of 12
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Sally, Sep 2020 · 5 claims Hurricane Michael, Oct 2018 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 188 Shore Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: T-Mobile.

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